Brown beef in a skillet and drain the fat. Add the taco seasoning mix and water called for on the package and simmer for 4-5 minutes. Set aside.

In a medium bowl mix the Bisquick and water until blended. The mixture will be thick and the texture of pizza dough. Press 1-2 tablespoons of dough in the bottom of each muffin tin and press slightly up the sides.

Spoon about 1-2 tablespoons of taco meat over the top of each dough filled tin. Next spoon about 1-2 teaspoons of black beans over the taco meat in each of the muffin tins.

Bake for 6-8 minutes and remove from the oven. Distribute the 2 cups of cheese over all 12 muffin tins evenly and put back in the oven to bake for 1-2 minutes or until cheese is melted.